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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,963 | $104,953-66.7% | $84,637-58.7% | $152,909-77.1% |
| Participation rate | 27.3% | 74.8%-47.6pp | 68.2%-41.0pp | 82.5%-55.2pp |
| Annual return | 16.17% | 373.94%-357.8pp | 258.82%-242.7pp | 345.46%-329.3pp |
| Employer contribution / active EE | $418 | $3,304-87.4% | $2,653-84.3% | $4,764-91.2% |
| Participant deferral / active EE | $522 | $4,691-88.9% | $3,900-86.6% | $5,851-91.1% |
| Admin fee / account holder | $1,799 | $6,244-71.2% | $4,914-63.4% | $11,601-84.5% |